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Retirement Planning

Retirement planning is hard work! Our clients tend to have just one financial question regarding retirement: How much money am I going to need? To answer that question, you will need to know (1) how much money you would like to have available each year, and (2) the number of years you intend to be retired. As you can imagine, the answer will be different for each client.

At SPA, we do not engage in "one size fits all" answers. Instead, we encourage our clients to consider (1) their current standard of living and (2) what, if any, adjustments they are willing to make to their standard of living during retirement. Regardless of your answers to these questions, proper planning for your retirement years is essential.

Retirement planning today is a careful balance of saving money, investing wisely, and managing current lifestyle expenses. At SPA, we make it our business to help our clients decipher the variety of retirement savings options available to them. Some common options include:

Employer sponsored qualified savings plans such as:

401(k) plans

403(b) plans

457 plans

Employer sponsored non-qualified savings programs

Non- employer sponsored savings plans such as:

Traditional IRA

Roth IRA

Note: Many of these retirement plan programs are available to SPA clients through Brinker Capital, an independent third party money manager that focuses on these services. SPA advisors can use the Brinker resources as financial advisers of Eagle Strategies LLC, which has an agreement with Brinker.

Victoria Serles, Cordell Almond, Shane Payette, Jimmy Averitt, Brittany Gabelein, Kevin Kepler, and Shawna Houston Stiles are agents collectively licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of AZ, CA, CO, CT, FL, GA, ID, IL, LA, MA, MI, NC, NJ, NY, OK, OR, PA, SC, TX, VT, and WA. No insurance business may be conducted outside these states referenced.

Seidman Private Advisors, LLC is not owned or operated by NYLIFE Securities LLC, or its affiliates.

Seidman Private Advisors, LLC is registered with the Washington State Department of Financial Institutions Securities Division.

*Seidman Private Advisors, LLC, nor its agents, provides tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.